insurance

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janpaul

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Joined
Sep 12, 2006
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348
Location
Easton, Maryland
My insurance company says I can add a 5er to my vehicle policy, how is this normally done? Is it okay to do that or do you need to go through one of these specialty RV insurance companys? I am looking at one right now and will need insurance to tow it home although I probably will not title and register it in my state until the weather gets right to start the rv season. That way I can put off paying the taxes for a little while. I was going to wait a few months, but have found a deal I probably will not be able to turn down, if it goes through. Thanks, Paul
 

Ned

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Feb 1, 2005
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USA
Call the insurance company or your agent and tell them what you want to do.  Most auto insurers will also insure your RV if it's used for occasional or vacation purposes.  If it's to be lived in full time (or sometimes more than a set period, depends on the insurer) then you need to get what's called full timers insurance and that is best done through one of the RV insurance specialists.
 

Gary RV_Wizard

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Feb 2, 2005
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At my Silver Springs FL home
Trailers are generally reasonably well covered when added to an auto policy and the price is usually very attractive. The exception is full time usage, as Ned mentioned.  "Fulltime" definition varies, but is typically defined as in excess of 150-180 days per year. However, check carefully with your agent about coverage for things like awnings, tv & other electronics, etc. Automotive policies sometimes exclude damages to or theft of "non-automotive" items like that.
 

Carl L

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Mar 14, 2005
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west Los Angeles
janpaul said:
My insurance company says I can add a 5er to my vehicle policy, how is this normally done? Is it okay to do that or do you need to go through one of these specialty RV insurance companys? I am looking at one right now and will need insurance to tow it home although I probably will not title and register it in my state until the weather gets right to start the rv season. That way I can put off paying the taxes for a little while. I was going to wait a few months, but have found a deal I probably will not be able to turn down, if it goes through. Thanks, Paul

Unless you are comptemplating full time use, I would just let your auto carrier have it.  You will find the policy addition will have no liability coverage for the trailer because none is needed -- you only pay for collision and comp.  Your gear in the trailer could well be covered by your homeowners policy or by a floater added to it if you trailer with expensive goodies like computers and such.  Anyway take a look or ask your agent.  Of course of you are going into full timing, you won't have a homeowners policy so you should look for specialty insurance.

As far as towing the thing with no insurance, California for one does not require trailers to carrry mandatory insurance, that is carried by the tow vehicle.
 

janpaul

Well-known member
Joined
Sep 12, 2006
Posts
348
Location
Easton, Maryland
Thanks, guys, I think I will go with my auto carrier as suggested, and after speaking with them. I wish I did have to get more insurance because of full timing, but at age 39, that's not quite possible yet.  ;D
 

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